Does Texas have a birthday rule for Medigap?

Not like some states. Outside open enrollment or a guaranteed-issue situation, Texas insurers can generally ask health questions when you switch.

Medigap Open Enrollment Period in Texas

Statewide · Medicare Supplement (Medigap) guide

Your Medigap Open Enrollment Period lasts 6 months, starting the month you're 65 or older and enrolled in Part B. During it, companies must sell you any Medicare Supplement they offer without health questions.

Book a Medicare appointment for Texas

2027 Annual Enrollment runs October 15 – December 7. A licensed Texas agent compares Medigap, Advantage and Part D plans for your doctors and prescriptions.

Book my planning call

Or call now — no wait 800-214-8976

Your Medicare options in Texas

Medicare Supplement (Medigap)

Plan G and Plan N cover most of what Original Medicare leaves behind. See any doctor nationwide who accepts Medicare.

Medicare Advantage (Part C)

All-in-one plans, many with $0 premiums, drug coverage and extras like dental and vision. Networks vary by county.

Part D drug plans

Stand-alone drug coverage. Per CMS, the 2026 maximum deductible is $615 and the yearly out-of-pocket cap is $2,100 (indexed annually).

Key Medicare dates for Texas

Turning 65: 7-month Initial Enrollment Period around your birthday month — turning-65 guide.
Annual Enrollment: October 15 – December 7, coverage starts January 1.
Medicare Advantage Open Enrollment: January 1 – March 31, one plan switch.
See what's new: Advantage 2026 vs 2027 and Part D 2026 vs 2027.

Key points

Starts when Part B begins (if you're 65+) and lasts 6 months.
Insurers can't deny you or charge more because of health conditions.
Delaying Part B because you have employer coverage also delays this window.
After it ends, most Texas insurers can use medical underwriting.

Find your Texas city

Schedule your Medicare review

Pick a time on our Medicare calendar or call 800-214-8976. Help by phone or Zoom — no cost to you.

Book my planning call

Or call now — no wait 800-214-8976

800-214-8976

Medicare in Texas: common questions

More Medicare guides

Medicare Supplement Plan G in Texas Medicare Supplement Plan N in Texas High-Deductible Plan G in Texas Medicare Supplement Plan F in Texas Medicare Supplement vs Medicare Advantage in Texas Medicare Supplement Costs in Texas Medicare Advantage Plans in Texas Medicare Advantage HMO vs PPO in Texas $0 Premium Medicare Advantage Plans in Texas Dual Eligible Special Needs Plans (D-SNP) in Texas Chronic Condition Special Needs Plans (C-SNP) in Texas Medicare Advantage with Dental, Vision & Hearing in Texas Medicare Advantage Open Enrollment Period (January 1 – March 31)Switch from Medicare Advantage to a Medicare Supplement in Texas How to Change Your Medicare Advantage Plan in Texas How to Apply for a Medicare Advantage Plan in Texas Switch from a Medicare Supplement to Medicare Advantage in Texas When Can You Switch Medicare Advantage Plans in Texas?Can I Switch from Medicare Advantage Back to Original Medicare in Texas?Medicare Advantage vs Medigap in Texas: Key Differences Medicare Special Enrollment After a Move in Texas Medicare Special Enrollment After Losing Coverage in Texas When Your Texas Medicare Advantage Plan Ends or Leaves Your Area Medicare Supplement by Texas city Medicare Advantage by Texas city

We do not offer every plan available in your area. Currently we represent multiple organizations which offer many products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (in Texas, HICAP) to get information on all of your options. Medicare Advantage and Part D plan availability, premiums and benefits vary by county and change each year.